Email this article to a friend

Young, immortal and uninsured!

As many as 250,000 federal and postal workers, many of them either
young and healthy or in low-paying jobs, may be forced to buy health insurance
next year... or else.

The "or else" is that unless they are covered by one of the federal
government's health plans, or by the plan of a spouse, partner or parent, they
will have to buy health insurance or could be hit with a fine as required by the
Affordable Care Act/Obamacare.

Most federal and postal workers and retirees belong to one of the dozens
of plans available to them under the Federal Employee Health Benefits Program.
Although the government pays the lion's share of the total premium (about 70
percent on average), a number of eligibles don't belong. Many of them are young,
healthy and childless. They are known as "the immortals," because the idea of
having a serious illness (or accident) isn't on their radar screen. Either that
or they figure they can't afford coverage even though premiums in some plans are
as low as $25 per week.

Under the ACA (Obamacare), people who are uninsured will either have to
get coverage or pay a small penalty of $95. At least in the first year. An
infusion of young, healthy premium-payers would be a boon to any health plan.
While the potential group has been estimated as high as 250,000, sources close to
the FEHBP say the number could be half that. Still a lot of new, healthy, blood
for the FEHBP.

Most federal and postal workers belong to one of the FEHBP plans, which
cover nearly 9 million current and former workers, spouses, survivors and in some
cases ex-spouses too.

Adding tens of thousands of healthy, young "immortals" to the insured
pool would be a benefit to FEHBP plans and help offset higher costs incurred by
older workers and retirees. But for the immortals, the choice of either mandatory
coverage or paying a penalty to IRS will come as a rude surprise.

HealthCare.gov contractors
say CMS responsible for testing site
Contractors responsible for key parts of the website told lawmakers that the
federal government was responsible for comprehensively testing the site and that a
late decision to require logging into the system before browsing for insurance
plans created bottlenecks that crippled the site.